Auto insurance issues from modifying a Yaris?

[RMcG]

Thanks for your replies. My reasoning on this is as follows. Auto insurance (generally) covers liability for injuring somebody else (or their property). If you never have a passenger and are in an accident, then your only potential liability is injury to somebody outside your car (or their property).

Taking the front passenger seat out of the car would not be a factor in injuring somebody outside your car. So this modification should not have an effect on liability coverage.

Most Auto Insurance policies do have a small amount of coverage for medical expenses for the driver themselves (for example ten thousand dollars). Since a modification like taking out the front passenger seat could possibly be construed (falsely I think) by somebody as promoting injury to the driver, maybe the modification would effect the (relatively small) medical expenses coverage.

Any comments anybody has will be welcomed.

Thanks,

RMcG